Another thing to consider.......the next Federal Election is in the fall. If PCs don't win then there's a solid chance that UCC will come into play (Universal Child Care). If that happens, and we're all still unlicensed, your options are pretty clear: Close your doors (who can compete with $15/day) or join an agency (and learn to love making less than minimum wage). If you're not active, you might want to get active. If this goes to a federal level, we'll have much bigger problems than we do now.